77 Aarons Reef, Destin, FL 32541 Property Records

Okaloosa County property record for 77 Aarons Reef, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,094 sqft · built 2001
Lot Size	0.517 acres (22,539 sqft)
Owner	2 Individual Names on Record
Last Sale	$399,000 (Jul 2012)
Tax Bill	$4,381 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-4277-2`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-4277-2`
Alternative APNs	`00-2S-22-018C-0000-0150` `22S200018C00000150`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,094 sqft Living Area
Gross Area	4,239 sqft
1st Floor Area	2,679 sqft
Upper Floors Area	415 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	22,539 sqft (0.517 acres)
Garage Type	Attached
Garage Area	895 sqft
Driveway	Driveway
Porch	Finished/Open Porch
Porch Area	250 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	77 AARONS REEF
City	DESTIN
State	FL
Zip	32541-3760
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BAYWINDS GOLF EST PH II LOT 15
Legal Subdivision	BAYWINDS GOLF EST
Legal Phase	2
Legal Lot Number	15
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2001
Census Tract	23308

Owner

Source: Okaloosa County records, as of May 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	77 AARONS REEF, DESTIN, FL 32541-3760
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2026	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Apr 21, 2020	Quit Claim Deed, Transfer WATERMARK CAP
Jul 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF ENGLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2012 · Amount on Record
Deed Sale	Jul 31, 2012 · Amount on Record
Deed Document Number	20122791359
Deed Book / Page	3046 / 4740
Prior Transfer Date	May 27, 2010
Prior Transfer Doc	0029424163
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	77 AARONS REEF, DESTIN, FL 32541-3760
Transaction Type	Mortgage
Record Updated	Jan 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	77 AARONS REEF, DESTIN, FL 32541-3760

Mortgage

Document Number	0003791920
Date	Jan 7, 2026
Instrument	3791920

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 15, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 21, 2020
Property Address	77 AARONS REEF, DESTIN, FL 32541-3760
Document Number	0034572433
Book / Page	003457 / 002433
Instrument Date	Apr 15, 2020
Instrument	3353225
Transaction Type	Transfer
Record Updated	Jun 15, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	77 AARONS REEF DESTIN FL 325413760, DESTIN, FL 32541-3760

Mortgage

Document Number	34572435
Date	Apr 21, 2020
Book Page	003457/002435
Instrument	3353226

Lender

Name	WATERMARK CAP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Apr 20, 2035

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	77 AARONS REEF, DESTIN, FL 32541-3760
Document Number	0033104812
Book / Page	003310 / 004812
Instrument Date	Jul 26, 2017
Transaction Type	Mortgage
Record Updated	Nov 17, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	77 AARONS REEF DESTIN FL 325413760, DESTIN, FL 32541-3760

Mortgage

Document Number	0033104812
Date	Aug 1, 2017
Book Page	003310/004812
Instrument	3150802

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2047

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,381.00 (+5.29%) Homeowner's exemption	$454,216 (+5.99%)	$771,567 (-5.72%) Land $163,225 Building $608,342
2023	$4,161.00 (+2.26%) Homeowner's exemption	$428,558 (+3%)	$818,349 (+7.96%) Land $148,103 Building $670,246
2022	$4,069.00 Homeowner's exemption	$416,076	$758,024 Land $134,639 Building $623,385

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (1995–2018)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2018 · other causes

Coastal Barrier Resources

Source: USFWS Coastal Barrier Resources System, as of December 19, 2024

Coastal Barrier Resources System	Yes
Unit	P32 “Moreno Point”
Unit Type	System Unit
Designated	Oct 18, 1982
NFIP Eligibility	Not eligible (built 2001) built after the Oct 1, 1983 cutoff · private flood insurance only

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOUTH WALTON UTILITY COMPANY private · serves 26,668 people · EPA ID FL1660615
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 221 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Wildstar Networks.

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